., chicago, baltimore, philadelphia, the oakland-san francisco bay area, new york city, cleveland, and riverside, san bernard mediacom and riverside california. ere e are areas that work impacted by these practices. in addition, wells fargo has agreed to conduct a review of a subset of its loans during the period of 2004 to 2008 to identify any prime qualified african-american or latino retail customer who was improperly placed in a subprime loans. wells fargo will compensate them in an amount similar to the amounts paid to them who received improperly, subprime loans, from the wholesale division. all amounts paid to retail customers will be in addition to the $125 million in relief for the wholesale customers. while the government must be a credible deterrent to those who would choose to violate our laws, the best policing is that that comes from within. the success of thoughtful and copper has of compliance work is reflected in the fact the vast majority of lenders across the united states are not violating the law. that is why i believe wells fargo should be commended for implementi